Thanks for the replies, seems most prefer more than one level of retention holster, i.e Serpa or similar.
I found this in an article concerning the recent OC law in TX.
“Retention” Holsters v. Non-Retention Holsters
There is an old saying among experienced handgunners, “Every step toward holster retention is a step away from rapid deployment.” In layman’s terms, this means that the harder it is for a bad guy to get your gun out of your holster, the harder it is for you to get it out when you need it.
So does anyone use a friction only retention holster, i.e. Predator pancake
Or Aliengear OWB holster
Or custom leather OWB holster
Or custom leather shoulder rig
I only ask because before I found this website I would only CC my XDM Compact .45 ACP. I have several CCW holsters, N82, Aliengear, Crossbread appendix, a custom leather holster, custom shoulder rig, and few others. Personally I do not like CC as I really have not found a holster I truly find comfortable and it gets to be expensive buying a holster only to find out you really don't like it. I still CC on occasions where I know I will be asked to leave with an OC pistol, i.e. movie theater, casino, etc.
So back to OC holsters, I find that an OWB holster is much more comfortable, and I can use some of my holsters as an OC but they only have the friction retention, which for the most part I am okay with. I have even used the holster that comes with the XDM to OC and its actually quite comfortable to wear.
I appreciate everyone's responses and welcome all input, recommendations, and thoughts i.e. PRO's / CON's of Retention vs Non-Retention holsters for OC.